Bihar Gramin Bank NAHAUNA IFSC Code

This article provides important details about the NAHAUNA branch of Bihar Gramin Bank, located in Rohtas, Bihar. When you need to transfer funds digitally within India using services like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), a unique code called the IFSC (Indian Financial System Code) is essential. This code ensures your money reaches the correct bank and branch swiftly and securely. Without the correct IFSC, these online transactions cannot be completed.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	NAHAUNA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7378
Branch Address	NAHAUNA, Rohtas, 821315, Bihar
Contact Number	9771464378
City	Rohtas
District	Rohtas
Pincode	821315
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger streamlined operations and unified banking services under a single entity. As a result, all branches that previously belonged to UBGB or DBGB now operate under Bihar Gramin Bank.

Crucially, the IFSC codes previously used by Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are no longer valid for any financial transactions. Customers must now use the new, standardized IFSC code, *PUNB0MBGB06*, for all fund transfers involving Bihar Gramin Bank branches, including the NAHAUNA branch. This new code is sponsored by Punjab National Bank. Always ensure you use the current valid IFSC to avoid transaction failures.

What is IFSC Code?

The IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify each bank branch participating in online money transfers. Understanding its structure can be helpful:

• The first four characters are alphabetic and represent the bank name. For *PUNB0MBGB06*, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always the number zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters are alphanumeric and uniquely identify a specific bank branch. For *PUNB0MBGB06*, “MBGB06” refers to the specific NAHAUNA branch of Bihar Gramin Bank.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers. Here’s a general guide for NEFT, RTGS, and IMPS:

1. Log In to Your Bank’s Online Portal or Mobile App: Access your internet banking account or mobile banking application.
2. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add Beneficiary (If New): If you are sending money to this account for the first time, you will need to add them as a beneficiary.
   • Enter the beneficiary’s name.
   • Enter the beneficiary’s account number (usually twice for confirmation).
   • Enter the beneficiary bank’s name: Bihar Gramin Bank.
   • Enter the correct IFSC code for the NAHAUNA branch: PUNB0MBGB06.
4. Confirm Beneficiary Details: Once added, the system might automatically fetch the branch name (NAHAUNA) and other details for verification.
5. Initiate Transfer: Select the beneficiary, enter the amount you wish to transfer, and choose the transfer type (NEFT, RTGS, or IMPS).
6. Review and Confirm: Double-check all details, especially the account number and IFSC code, before confirming the transaction.

Always ensure the IFSC code you use matches the specific branch of the recipient’s bank account to avoid delays or incorrect transfers.

Benefits

Knowing and using the correct IFSC code offers several advantages:

• Accurate Fund Transfers: It ensures your money reaches the exact intended bank branch, reducing the risk of misdirected funds.
• Faster Transactions: Essential for real-time (IMPS) and same-day (NEFT/RTGS) electronic transfers, allowing money to move quickly.
• Enhanced Security: The unique code helps prevent fraud by verifying the bank and branch identity during online transactions.
• Required for Digital Banking: It’s a mandatory piece of information for all major online payment systems like NEFT, RTGS, and IMPS.
• Easy Identification: Helps quickly identify the bank and branch, even if you only have the account number.

Contact Section

If you need to get in touch with the NAHAUNA branch or the Bihar Gramin Bank head office, here are the contact details:

• NAHAUNA Branch Phone Number: 9771464378
• NAHAUNA Branch Address: NAHAUNA, Rohtas, 821315, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank NAHAUNA IFSC code:

Q1: Can I use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for transfers to Bihar Gramin Bank?
A1: No, you cannot. After the merger, all old UBGB and DBGB IFSC codes have been revoked. You must use the new, consolidated IFSC code, PUNB0MBGB06, for all transactions to any Bihar Gramin Bank branch.

Q2: What happens if I enter an incorrect IFSC code during a fund transfer?
A2: If the IFSC code is incorrect, your transaction will likely fail and be rejected by the banking system. The funds will not be debited from your account, or if debited, they will be reversed. Always double-check the IFSC code before confirming a transfer.

Q3: Where can I find the correct IFSC code for other Bihar Gramin Bank branches?
A3: You can find the correct IFSC code on the bank’s official website, your passbook, or by contacting the specific branch directly. Reliable third-party financial websites also list these codes.

Q4: Is the MICR code the same as the IFSC code?
A4: No, they are different. The IFSC code is an 11-character code used for electronic fund transfers. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found on cheque leaves, primarily used for clearing cheques.

Q5: Is the 5th character of the IFSC code always ‘0’?
A5: Yes, the fifth character of every IFSC code is always the number zero (0). It acts as a control digit for future use by the Reserve Bank of India.